Yes, with valid KYC documents, any Indian resident, NRI, HUF, Corporation, Society, Education Institution, or Partnership firm can invest in corporate FDs.
Invest In Corporate
Fixed Deposits
Explore the stability and growth potential of Corporate Fixed Deposits providing attractive interest rates and flexible tenure options. Corporate FDs offer a secure investment avenue, backed by established companies, allowing you to earn fixed returns on your investment.


Unlock Superior Returns with
Corporate Fixed Deposits.
Financial Companies or Non-Banking Financial Companies (NBFCs) offer Corporate FDs.
It’s a safer investment option for
conservative investors.
Invest in corporate fixed deposits for a specific tenure with a fixed rate of interest.
Expect a call within 30 mins (Mon-Fri, 9:30 AM - 6:30 PM)
Benefits
Guaranteed Returns
You are guaranteed to receive the promised interest rate declared by the corporate/NBFC at the end of the tenure.
Superior Returns
Than Bank Fds
Corporate FDs often deliver 1-2% higher interest
rates than Bank FDs.
Flexible Tenure
Corporate FDs offer a flexible tenure between 1-5 years. You can choose a tenure suitable for your financial goals. The interest rate may vary based on the tenure.
Lower Premature Withdrawal Period
Both Bank and Corporate FDs have at least 3-month penalty period for premature withdrawal as per RBI guidelines. Corporate FDs often have a lower penalty period compared to bank FDs.
Factors To Consider Before Investing
Associated
Risk
The performance of the Corporate/NBFC may affect the safety of the deposit. Invest only in companies that follow RBI guidelines, have public performance reports, and have higher ratings.
Fd
Rating
Corporate FDs have ratings between AAA to D based on performance and risk. Deposits with AAA to AA ratings are safe to invest in.
Company’s
Track Record
The company’s track record is an essential criterion for evaluating the corporate FD's credibility and performance. Get in touch with VNN Wealth for more details.
Inflation
Adaptability
Assess the post-tax returns of the corporate FD with respect to the inflation rate and plan your investment horizon accordingly.
Who Should Invest In
Corporate Fds?
Corporate FDs are ideal for conservative investors
seeking superior returns than bank FDs.
Investors wanting to park their funds for short to medium
tenure can consider investing in corporate FDs.
Corporate FDs can add stability
and diversification to your portfolio.
For retirees or those nearing retirement, corporate
FDs can provide a steady stream of income.
Taxation On
Corporate
Fixed Deposits
The annual interest income earned from corporate FDs is taxable as per your tax slab if it exceeds INR. 5,000. If the interest income exceeds INR. 5,000, 10% of TDS(Tax Deducted at Source) will be applicable provided you share your PAN details, otherwise, the TDS deduction will be 20%.
FAQs
Corporate FDs may have a minimum investment criteria starting from INR. 5,000 or INR. 10,000 depending on the terms and conditions.
Corporate FDs have variable maturity periods (lock-in periods) during which you are not allowed to withdraw money. However, you can request a premature withdrawal by paying applicable penalty fees.
Corporate FDs often deliver 1 to 2% extra returns compared to bank FDs.
Financial companies and NBFCs declare the interest rate of the corporate FD beforehand. You can use VNN Wealth’s FD calculator to calculate the estimated returns as per the tenure and the interest rate.